Charleston, MO · Cert 17830 · Citizens Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.27% | 1.95% | 2.08% | 2.08% | 2.12% | 1.97% | 2.36% | 2.47% | +39 bps | |
| Return on Equity | 12.27% | 10.58% | 11.15% | 10.86% | 10.96% | 10.23% | 12.22% | 12.57% | +170 bps | |
| Net Interest Margin | 4.54% | 4.37% | 4.29% | 4.52% | 4.61% | 4.53% | 4.53% | 4.76% | +24 bps | |
| Efficiency Ratio | 41.10% | 47.65% | 43.38% | 44.66% | 43.90% | 47.38% | 39.49% | 37.94% | -672 bps | |
| Non-Interest Burden | 1.59% | 1.83% | 1.60% | 1.78% | 1.77% | 1.87% | 1.51% | 1.53% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.61% | 6.99% | 1.27% | 0.86% | 3.23% | 1.61% | 2.77% | 5.46% | +460 bps | |
| Loan Growth (YoY) | 4.64% | 7.69% | 6.70% | 12.34% | 16.65% | 11.87% | 14.31% | 7.24% | -510 bps | |
| Deposit Growth (YoY) | 1.74% | 6.51% | -0.55% | -1.01% | 2.50% | 0.47% | 2.10% | 5.37% | +638 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.71% | 0.67% | 0.61% | 0.65% | 0.91% | 1.03% | 0.83% | +22 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.11% | 0.22% | 0.09% | 0.06% | 0.07% | 0.03% | 0.08% | 0 bps | |
| Allowance / Loans | 1.18% | 1.31% | 1.27% | 1.12% | 1.12% | 1.32% | 1.29% | 1.18% | +6 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 1.9x | 1.8x | 1.7x | 1.5x | 1.3x | 1.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.65% | 18.69% | 19.07% | 20.22% | 20.24% | 19.22% | 19.46% | 20.51% | +29 bps | |
| Total Risk-Based Capital | 19.65% | 18.69% | 19.07% | 20.22% | 20.24% | 19.22% | 19.46% | 20.51% | +29 bps | |
| Equity / Assets | 19.25% | 18.04% | 19.24% | 20.30% | 19.77% | 18.88% | 19.72% | 20.36% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.45% | 82.13% | 85.65% | 100.92% | 101.79% | 91.46% | 95.89% | 102.71% | +179 bps | |
| Liquid Assets / Assets | 4.28% | 11.62% | 15.48% | 1.92% | 1.84% | 6.03% | 11.69% | 4.39% | +247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 32.76% | 33.98% | 33.62% | n/a | n/a | |